 They have to fully liquidate that currently within 10 years and pay taxes on the entire account within 10 years. Now, there are their highest working years, so the government's going to take 30, 40, 50, 60% of that. Well, guess what? Only a few votes stopped it from being a half a million dollars. They would have to liquidate it within five years. What do you think it's going to be in 10 or 15 years? I guarantee you, you could write this down in 10 or 15 years. When you leave that IRA to a non-spouse, they'll have to fully liquidate it the first day you leave it.